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Understanding the Coverage Differences Between a Homeowner’s Policy and Dog Bite Insurance

Over 4.5 million people are bitten by dogs in United States each year. Pet owners may assume their homeowners’ insurance will protect them from financial liability if their dog injures someone. They may be surprised to know they may not have the coverage they think they do. Florida pet health insurance provides a much greater level of protection than standard homeowners’ policies.

The One-Bite Rule

Certain homeowners’ policies have a “one-bite rule.” This means an insurance company will cover the first dog bite incident, but after that add a “canine exclusion” or cancel the policy altogether.

Breed Coverage Limitations

Some carriers will not cover specific breeds under their homeowners’ policies if they are believed to be more dangerous like Rottweilers, Dobermans and pit bulls.

Injuries Connected to Vehicles

While a homeowner’s policies may cover dog bite incidents that occur in a park or public area, they may exclude those that involve canines traveling in vehicles. An example would be a dog sitting in the back of a truck that attacks someone riding in the truck or a dog that leans out a car window and bites a person.

Even the mildest mannered canines have been known to injure people. Purchasing Florida pet health insurance can provide peace of mind that your financial interests will be protected in the event your dog bites someone.